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Would you sacrifice five years of your life if the odds of a financially independent exit was less than 10%? Less than 10% of startups succeed, and that's before breaking that cohort into startups that barely succeed and ones that'll leave you independently wealthy.

If you're being paid $200/hr it doesn't depend on the exit.

Don't know many startup employees making $200/hr

Except for every needle that will give you that is buried in a haystack of failed ventures and empty promises.

And then you get run over by a bus.

I guess the alternative is to learn very little, have fun, run up huge debt, because why not, you're going to get run over by a bus tomorrow. But, then you don't. Well, crap.

Go ahead and postpone life then, no one will stop you; life still doesn't give a shit about plans. You should try being close do dying a couple of times, that will align your perspective with reality in no time at all.

Statistically speaking the odds are that in 5 years I'll be 5 years older, not hit by a bus, nor killed by some disease.

I'd love to be 5 years wiser and richer also :)